I don’t think the discussion about “which is a more Torahdig home” is really applicable.
Men in Kollel fulfill different mitzvot than those who work. Their homes can be just as Toradig as each other, depending on how they and their wives establish their homes.
I do not agree that a full time worker has a chance to grow to a higher madreiga. The madreiga a person can reach is based on themselves and how they approach life.